Re: Diane....For All:Beware of disability plan through company

[Guest guest]

Yep, it's sort of like a mini insurance hell you live in for a while.  It was

bad enough for his coverage, but it was even worse for mine as his dependant.  I

ended up with no coverage at all for about a year while they got all their stuff

worked out.  I must say the problems we had were with the insurance carrier

though, not my husband's company.  They were absolutely wonderful to us after

Terry's accident.  I don't know how we would have made it without their

support.  We have always been so very thankful for them and all they did for

us.  Their insurance company was another story though.

________________________________

From: abijann <no_reply >

To: livercirrhosissupport

Sent: Thursday, November 20, 2008 9:38:37 AM

Subject: Diane....For All:Beware of disability plan

through company

We had a similar experience with ours.

This would be good to tell those here who have a disability plan

through their employer, that they take off their checks for the

entire time they work:

My husband was placed on STD and then went onto LTD.

He paid for years and had subtracted from his check for a

disability plan through his employer.

When my husband went on LTD, he was told he had to

sign up for Social Security disability. When he got

approval for this, his company informed us that anything

we received from Social Security, that amount would be

subtracted from the amount we would receive from this plan.

We would either get the difference or if the Social Security

turned out to be more...we would get nothing from them.

(remember we had taken off his check for this plan for years)

Look into the plan you have with your company and see if this

is the case for you also.

My husband employer than informed us that my husband could

no longer be on the good plans with his company...he was

to go onto a Medicare plan and they would go secondary for

awhile. Every year they switched his insurance all around

and we never knew what we were going to have and whether his

doctors and hospital would be part of that plan. It was

a nightmare for us.

[Guest guest]

I want to thnak everyone for their knowledge.  I have found that I will be on

LTD as of mid Jan and have a meeting with SSI on Monday for disability.

Lyncia

 

In life family and friends take us on all kinds of adventures, God helps us

choose our path....Enjoy your journey!

From: abijann <no_reply >

Subject: Diane....For All:Beware of disability plan

through company

To: livercirrhosissupport

Date: Thursday, November 20, 2008, 9:38 AM

We had a similar experience with ours.

This would be good to tell those here who have a disability plan

through their employer, that they take off their checks for the

entire time they work:

My husband was placed on STD and then went onto LTD.

He paid for years and had subtracted from his check for a

disability plan through his employer.

When my husband went on LTD, he was told he had to

sign up for Social Security disability. When he got

approval for this, his company informed us that anything

we received from Social Security, that amount would be

subtracted from the amount we would receive from this plan.

We would either get the difference or if the Social Security

turned out to be more...we would get nothing from them.

(remember we had taken off his check for this plan for years)

Look into the plan you have with your company and see if this

is the case for you also.

My husband employer than informed us that my husband could

no longer be on the good plans with his company...he was

to go onto a Medicare plan and they would go secondary for

awhile. Every year they switched his insurance all around

and we never knew what we were going to have and whether his

doctors and hospital would be part of that plan. It was

a nightmare for us.

[Guest guest]

Good for you!  It can be confusing and frustrating, but it is such a relief when

it finally happens!  I know it is all going to work out for you Lyncia!  Try to

relax and enjoy your family next week!  I hope that back pain gets better. 

Praying for you sweetie.

Hugs...............

Diane

________________________________

To: livercirrhosissupport

Sent: Thursday, November 20, 2008 2:17:23 PM

Subject: Re: Diane....For All:Beware of disability

plan through company

I want to thnak everyone for their knowledge.  I have found that I will be on

LTD as of mid Jan and have a meeting with SSI on Monday for disability.

Lyncia

 

In life family and friends take us on all kinds of adventures, God helps us

choose our path....Enjoy your journey!

From: abijann <no_reply@yahoogroup s.com>

Subject: Diane....For All:Beware of disability plan

through company

To: livercirrhosissuppo rtyahoogroups (DOT) com

Date: Thursday, November 20, 2008, 9:38 AM

We had a similar experience with ours.

This would be good to tell those here who have a disability plan

through their employer, that they take off their checks for the

entire time they work:

My husband was placed on STD and then went onto LTD.

He paid for years and had subtracted from his check for a

disability plan through his employer.

When my husband went on LTD, he was told he had to

sign up for Social Security disability. When he got

approval for this, his company informed us that anything

we received from Social Security, that amount would be

subtracted from the amount we would receive from this plan.

We would either get the difference or if the Social Security

turned out to be more...we would get nothing from them.

(remember we had taken off his check for this plan for years)

Look into the plan you have with your company and see if this

is the case for you also.

My husband employer than informed us that my husband could

no longer be on the good plans with his company...he was

to go onto a Medicare plan and they would go secondary for

awhile. Every year they switched his insurance all around

and we never knew what we were going to have and whether his

doctors and hospital would be part of that plan. It was

a nightmare for us.